A premium subscription is required to access this article. Article Date: 07/06/2016 Do Wealthy Investors Need Life Insurance Despite the apparent wisdom shown by owning life insurance, as well as the knowledge that it will eventually come to use, less than two-thirds of all affluent investors own life insurance policies. The numbers for long-term care insurance are even lower.Life insurance is designed to protect and provide for loved ones ... Log in to view full article. If you already have a subscription, please log in with your email address and password. User Name (Email Address): Password: Forgot your password? Click here to have your password emailed to you. To purchase a premium subscription, please use the links below. One-year premium subscription with unlimited access to all articles including reprint rights (see terms and conditions) for $2,000.00. Monthly subscription (3 month minimum) with unlimited access to all articles including reprint rights (see terms and conditions) for $195/mo.